How to pay Safaricom postpaid via M-Pesa (paybill 100100) — 2026

Safaricom Postpaid is for customers who use voice, SMS, and data without prepaid top-up. You receive a monthly bill for your usage and pay it before the due date — much like a traditional landline phone bill. Payment via M-Pesa uses paybill 100100. Different from buying prepaid airtime (which uses *544#, not paybill).

Payment flow

1. Dial *334# or open the M-Pesa app.
2. Lipa na M-Pesa → Pay Bill.
3. Business Number: 100100.
4. Account: your postpaid line number (10 digits, e.g., 0722 123 456).
5. Amount: total bill or partial (Safaricom accepts partial payments).
6. Enter PIN, confirm.

Bill clears within 5-30 minutes typically. You receive an SMS confirmation from M-Pesa and a separate confirmation from Safaricom.

The three products on paybill 100100

Paybill 100100 is shared across three Safaricom postpaid products. The account format differs:

1. Consumer Postpaid (mobile)

For your monthly mobile-phone bill. Account = your phone number (10 digits, no spaces, no +254 prefix). Most Kenyans on Safaricom postpaid fit this category.

2. Home Fibre

For Safaricom Home Fibre internet subscriptions. Account = your Home Fibre account number (provided when you signed up — usually 8 digits). Different from your phone number. Don't use your phone number for Home Fibre payments — they won't allocate correctly.

If you have both consumer postpaid and Home Fibre, you have two different accounts to pay each separately. Some customers consolidate; most don't.

3. Safaricom Business / Enterprise

For business postpaid lines and enterprise accounts. Account = the business account number from your invoice. Often longer than consumer accounts (10-12 digits) and may be prefixed with letters.

Common mistakes

1. Used phone number for Home Fibre. Money lands at Safaricom but doesn't clear your Home Fibre bill. Fix: call Safaricom on 100 with the M-Pesa transaction code; allocation takes 1-2 business days.
2. Used Home Fibre account for postpaid mobile. Same issue, same fix.
3. Paid the wrong amount. Safaricom accepts partial payments; the difference stays as a credit on your account. No correction needed.
4. Paid late. Safaricom may have already disconnected service. Pay then call 100 to request reactivation; usually quick.

Setting up auto-pay

Safaricom doesn't directly support auto-pay from M-Pesa, but workarounds exist:

• M-Pesa app standing-order feature (where supported) — set a recurring payment to paybill 100100 with your account, monthly on a chosen date.
• Bank standing order — if you have a Kenyan bank account, set up monthly transfer to paybill 100100 via your bank's app.
• Save and remember — use paybillke's Save feature on the Safaricom Postpaid page for one-tap access each month.

Checking your bill before paying

Before paying, check your current balance:

• Dial *144# on your Safaricom postpaid line → option for Bill Inquiry.
• Open the M-Pesa app → My Safaricom → Postpaid → View Bill.
• SMS bill summary: text BILL to 144 (free).

You'll see the current month's charges, any outstanding from previous months, and the total due. Pay the total or any portion.

Paying Safaricom postpaid for family from abroad

Diaspora users paying for parents' or family's Safaricom postpaid lines:

1. Use Wise, Sendwave, Lemfi, or WorldRemit — choose “Pay paybill in Kenya”.
2. Paybill: 100100. Account: the family member's Safaricom postpaid line number.
3. Amount: as specified in their bill (or what you've agreed to cover).

Bill clears as if you paid from Kenya. Family receives confirmation SMS. No setup difference for diaspora. See our diaspora paybill guide for the general flow.

For business postpaid users

• Save M-Pesa transaction codes for accounting and tax records.
• Safaricom Business invoices are KRA-deductible business expenses — keep documentation.
• For multi-line accounts, confirm with Safaricom which paybill account format applies.

Postpaid vs prepaid — which makes sense

Postpaid suits:

• Heavy users who consume more than KES 2,000-3,000 in airtime/data monthly.
• Business users who want consolidated billing.
• Anyone wanting credit-card-style monthly billing without surprise top-ups.
• Users wanting larger included data and voice bundles than typical prepaid.

Prepaid suits:

• Light users (under KES 1,500/month).
• Users who want strict spending control.
• Anyone uncomfortable with monthly bill surprises.
• The vast majority of Kenyan Safaricom customers (about 90%+).